Mortgage Underwriter
Location:
Woking Salary:
£26,000 – £45,000 + performance bonus My client based in Woking is seeking a Mortgage Underwriter to join their fast-growing team! You will be assisting with the growing volume of mortgage loan applications. Furthermore, you will be responsible for Packaged Applications and Decision in Principle enquiries to be underwritten in accordance with lending policy and price plans, FCS responsible lending practices, TCF principles, and appropriate service standards. Responsibilities
Ensure that all lending files are reviewed throughout the underwriting process in accordance with the company’s policies and procedures and TCF principles. Ensure the accuracy of customer and loan-related data that is captured within the underwriting forms, documents, and internal systems. Establish and maintain effective working relationships with key 3rd party business partners, including all intermediary partners, solicitors, and valuation panel managers. Achieve satisfactory performance levels in all KPIs to maintain/achieve underwriting mandate. Provide support to the Head of Lending and more senior team members as required, including policy and procedure enhancements and recommendations for cases outside of policy for further review. Approve cases with individual mandate levels. Maintain an up-to-date market awareness of both lenders and intermediaries working in the second charge space, as well as the regulatory rules and guidance for the market. Undertake relevant regulatory training to complete all three levels of the CEMAP programme. Provide suitable mortgage advice, where possible, on applications received directly from customers. Experience and Skills
Underwriting experience in a lending organisation. 5 years of experience in underwriting. Ideally CeMap qualified. Strong team player who is committed, conscientious, and hard-working. Strong attention to detail. Can-do attitude, flexible, and solutions-oriented. Confident and clear communicator. Open, honest, reliable, and with integrity. Benefits
Casual dress Company pension Cycle to work scheme On-site parking Private medical insurance Referral programme Ability to commute/relocate: Woking GU21 6DJ: reliably commute or plan to relocate before starting work (required)
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Woking Salary:
£26,000 – £45,000 + performance bonus My client based in Woking is seeking a Mortgage Underwriter to join their fast-growing team! You will be assisting with the growing volume of mortgage loan applications. Furthermore, you will be responsible for Packaged Applications and Decision in Principle enquiries to be underwritten in accordance with lending policy and price plans, FCS responsible lending practices, TCF principles, and appropriate service standards. Responsibilities
Ensure that all lending files are reviewed throughout the underwriting process in accordance with the company’s policies and procedures and TCF principles. Ensure the accuracy of customer and loan-related data that is captured within the underwriting forms, documents, and internal systems. Establish and maintain effective working relationships with key 3rd party business partners, including all intermediary partners, solicitors, and valuation panel managers. Achieve satisfactory performance levels in all KPIs to maintain/achieve underwriting mandate. Provide support to the Head of Lending and more senior team members as required, including policy and procedure enhancements and recommendations for cases outside of policy for further review. Approve cases with individual mandate levels. Maintain an up-to-date market awareness of both lenders and intermediaries working in the second charge space, as well as the regulatory rules and guidance for the market. Undertake relevant regulatory training to complete all three levels of the CEMAP programme. Provide suitable mortgage advice, where possible, on applications received directly from customers. Experience and Skills
Underwriting experience in a lending organisation. 5 years of experience in underwriting. Ideally CeMap qualified. Strong team player who is committed, conscientious, and hard-working. Strong attention to detail. Can-do attitude, flexible, and solutions-oriented. Confident and clear communicator. Open, honest, reliable, and with integrity. Benefits
Casual dress Company pension Cycle to work scheme On-site parking Private medical insurance Referral programme Ability to commute/relocate: Woking GU21 6DJ: reliably commute or plan to relocate before starting work (required)
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